This is the part that you pay for fixing and rebuilding your home after the wind or hail damaged your home. It also protects additional structures on your property. These include sheds and garages. They comprise as much as 10 percent of the total coverage limit for your dwelling. If you want to approach your insurance provider about this, make sure you record the date of the storm as well as articles about the hurricane to prove it.
Your windstorm insurance policy covers your personal property. This includes your damaged clothing, appliances, electronics, and all your other private property. Your insurance provider can even cover as much as $300,000 of the cost of your things. However, before you contact the claims department of your insurance provider, you should be prepared for the details of how much you've lost and the specific items that the windstorm has destroyed.
Additional Living Expenses
If the wind or hail has severely damaged your home, you will not be able to live in it. If that happens, then your windstorm insurance policy can help defray the costs of living in other places like the hotel, the restaurant, and even laundromat costs. Naturally, you have to stay at the hotel or an inn if your house is totally damaged. Your coverage will take care of it. This coverage can be as much as 20 percent of the total coverage for your home.
Increased Cost of Construction
This refers to additional costs in case your home incurs damaged and if building codes have undergone changes since your house was first built. Any other costs that should bring up your home to code must be covered by windstorm insurance.
This part of the policy will take care of the expenses involved in the cleaning up of any debris that has unexpectedly made its way into your property. This should also include trees or metal blown onto the property. You should not worry because your coverage can pay for the clean-up.
Some Final Words
Naturally, you can reduce damage through prevention or by wind-proofing your home. You can trim the branches of trees, especially if you are in a storm-prone area. You can also secure outdoor furniture as they might act as debris. You can also have storm shutters installed. In addition, you can install a garage door that is strong enough to withstand a disaster.
At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.